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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,941 | $87,733-73.9% | $106,554-78.5% | $85,851-73.3% |
| Participation rate | 60.0% | 71.9%-11.9pp | 76.1%-16.1pp | 69.3%-9.3pp |
| Annual return | 20.97% | 21.86%-0.9pp | 26.80%-5.8pp | 318.63%-297.7pp |
| Employer contribution / active EE | $1,217 | $2,073-41.3% | $2,819-56.8% | $2,565-52.6% |
| Participant deferral / active EE | $3,651 | $3,469+5.2% | $4,398-17.0% | $3,952-7.6% |
| Admin fee / account holder | $394 | $6,767-94.2% | $7,408-94.7% | $6,261-93.7% |